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German Culture: Food, Festivals & Beer!

German culture, history and traditions have had a profound impact not only on the country itself, but also on the rest of the world, shaping everything from philosophy and music to science and technology. From its delicious food and world-famous beer to its colourful festivals and celebrations, Germany offers a unique and exciting experience to everyone who visits or lives there. For expats living in Germany, or for those considering moving to this vibrant country, getting to know the local culture can be a great way to immerse yourself in the local community and feel more at home. In this blog, we will explore some of the most exciting aspects of German culture, including its famous beer, delicious food and vibrant festivals, to help you discover what makes this country such a special and fascinating place.

German Culture: Food!

When it comes to German cuisine, you might first think of sauerkraut and bratwurst, but there is much more to discover! From the delicious Black Forest Cherry Cake to the almost endless variety of breads, every region of Germany has its own culinary specialities. Germans are known for their love of hearty dishes such as pork, meat and poultry.

Did you know that the average German consumes a whopping 72 pounds of meat per year?

But don’t worry, if you’re watching your waistline, you can still enjoy German cuisine! These days, traditional dishes have been updated with healthier versions, and Germany has some of the best continental cuisine restaurants serving delicious pasta, noodles and cheesy bread with sausages. Get ready to fall in love with the diverse and delicious world of German food!

What do Germans eat throughout their day?

One of the best ways to immerse yourself in the local culture is through food! Germans have a daily routine consisting of three meals, starting with a mouth-watering breakfast of various bread rolls, toast, Brötchen, Semmeln, Schrippen, Wecken, or Rundstücke served with delicious fruit jams. But the real culinary treat for Germans is lunch (Mittagessen), which is considered the main meal of the day. Expect to see pork, egg dishes, bread with various spreads, and meat on the menu, while vegetables are usually eaten as a side dish or in a stew. Interestingly, potatoes are so widely used that they are not even considered a vegetable in Germany! So why not try some local cuisine and indulge in the flavours of Germany?

German Culture: Food

Enjoy eating?? Celebrate it with German food festivals

If you are visiting Germany, then you will never have enough German food and beer. Five primary food and beer festivals are being celebrated every year. Germany celebrates the world’s largest wine festival hosted by the southwestern spa town of Bad Dürkheim in September, where more than 300 types of wine are served in 9 days.
Not only this, Oktoberfest is the daddy of all beverage festivals. This grand fest is held in Munich for 16 days in September and October. They tap the first barrel of beer on the first day, and a procession of people with flowers and beer barrels walk through the city. Thousands of people participate in parades with bands and props. People wear different Bavarian attire, and more than 30 tents are placed to give you the best experience. It’s best to book your favourite tent in advance.

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If you are not fond of drinks but want to eat something new and delicious, you can attend long live potatoes and Kale. As the name sounds, Potato is included in almost every Germans’ recipe, and they do have their ways to thank their favourite food. This festival is celebrated on the Usedom Island in September, where all dishes of Potato are served. After a few days, you will see Kale in the environment.
If you plan to visit Germany, then pack your bags and do not forget to keep antacids with you because this place will give you primary food goals.

German Culture: Festivals!

German culture is famous for its many colourful festivals and celebrations that take place throughout the year. From the world-famous Oktoberfest to the colourful carnival celebrations, there is always something exciting going on in Germany. Attending these festivals is a great way to immerse yourself in the local culture, meet new people and have a lot of fun. Here are three of the most famous festivals that you definitely don’t want to miss:
Oktoberfest: This is perhaps the most famous festival in Germany and is held annually in Munich. The festival celebrates Bavarian culture, with lots of traditional food, music and of course beer. Visitors can also enjoy rides and games, as well as parades and other cultural events.
Carnival: Carnival is a festive season that takes place in the run-up to Lent and is particularly popular in the Rhineland. Celebrations usually include parades with elaborate floats, costumes and masks, as well as plenty of food and drink. Each city has its own traditions, so it’s worth visiting different places to experience carnival in all its diversity.
Christmas markets: During the Christmas season, Germany is famous for its traditional Christmas markets, which can be found in towns and cities all over the country. These markets are full of food, drink and handmade crafts and offer a festive atmosphere that is hard to beat. Among the most popular markets are those in Nuremberg, Dresden and Cologne.

German Culture: Beer!

It’s fascinating that Germany is the only country in the world that has a law specifically for the beer industry! But let’s take a step back in time. Did you know that Germans weren’t the original inventors of beer? Amazing, isn’t it? The art of brewing beer can be traced back to the Middle East 13,000 years ago, where roasted grains were steeped in water to make a delicious, slightly alcoholic drink. A recent discovery in Haifa, Israel, uncovered the remains of a historic brewery. From there, beer evolved into a staple food in almost every culture in the world, earning it the nickname “liquid bread.”
German Culture: Beer

For centuries, German cloisters have been known for producing some of the best beer in the world for the masses. These beer-producing monasteries date back to the first millennium, 1000 to be exact, and were mostly located in southern Germany. Many of these historic institutions still exist today, including the monasteries of Andechs, St. Gallen, Weihenstephan and Weltenburg, to name but a few. Interestingly, beer was once considered safer than water and was even considered nutritious and a great source of energy. Parents even gave it to their children to keep them happy and calm. Thanks to the introduction of the Beer Purity Law, beer has become one of the most popular drinks in the world.

Let’s delve into the fascinating story of the Beer Purity Law!

Did you know that beer was once cheaper than water in Germany? Pubs were so thirsty for profit that they signed exclusive contracts with breweries, which led to a deterioration in the quality of the beer. To cut costs and maximise profits, brewers filled the beer barrels with whatever they could find, including dangerous ingredients that endangered people’s lives. It wasn’t until 1516 that Bavaria passed the Purity Law, which ensured that beer was made from only three ingredients: Barley, hops and water. Later, yeast was also added to the list of permitted ingredients. This law revolutionised the beer industry and led to over 7,000 different types and flavours of beer.

Thanks to this law, beer became the safe and nutritious drink we know today and is even suitable for children! Germans take their beer very seriously and you can taste the difference in their famous beers, such as the crisp and refreshing Pilsner, the smooth and malty Bock and the light and tangy Kölsch. So the next time you treat yourself to a cold beer, remember the history of the Reinheitsgebot and raise your glass to a safe and delicious beer!

Some of the famous beers being produced by Germans are:

  • Pilsner
  • Larger
  • Witbier
  • Kölsch
  • Dunkel
  • Bock
  • Helles
  • Märzen
  • Altbier

Germany is a country with a rich and fascinating culture that has something to offer everyone. Whether you want to sample world-famous beers and delicious cuisine or immerse yourself in vibrant festivals and celebrations, Germany has it all. As an expat living in Germany or considering a move there, exploring the local culture is a great way to feel at home and connect with the local community. By attending festivals such as Oktoberfest or exploring the delicious local cuisine, you can become more familiar with the unique cultural heritage of this incredible country. So why not pack your bags and experience the wonders of German culture for yourself with a glass of chilled beer? You won’t be disappointed!

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Having Children in Germany

Having children in Germany can be a cause for concern for many people considering a move to this foreign nation. However, the good news is that the standard of German healthcare is very high, especially when it comes to having a child. The healthcare system in Germany provides an amazing level of medical care to ensure the best for the newborn and their parents. If you are pregnant and want to know more about the rules and benefits for giving birth in Germany, read this blog.

Things to know about having children in Germany

  1. Be Prepared to Go Natural

    Germans believe in the natural childbirth process. In Germany, doctors step into the hospital only if there is an issue. For childbirth in Germany, Hebammen(mid-wife) are the norm. However, it doesn’t mean that the staff members don’t opt for modern tactics. They use all the latest in Medical sciences.

  2. German Insurance Is Great

    The German insurance system is very effective and comprehensive. It incorporates care for childbirth and pregnancy.

  3. Germans Are an Open Book While Talking about Their Health

    Germans love to talk about their health. It will make you feel more comfortable and interested in talking about kids.

  4. You Can Get a Series of 3D USG Pictures

    Having a black and white image of your baby at doctor’s visits is wonderful. So, you will get a series of 3D images and a video as well.

  5. Your Mutterpass is Very Important

    After you are declared pregnant officially, you will get issued this passport to motherhood at the clinic of your doctor. This tracks all doctor visits, weigh-in and blood tests.

Rights of New Mothers

Expats in Germany can experience many obstacles for navigating when it comes to becoming parents. You need to decide several things like childcare expenses, maternity leave, and other factors about family life. You may often feel stressed while working out all of these things. Thereby, you should know precisely what rights you have as a mother while making your house ready for your new-born.

  • Maternity Leave in Germany

    In Germany, maternity leave is compulsory and federally protected. Hence, your contract won’t be terminated amid your maternity leave. In comparison with many other nations, the German parental leave system is more generous.
    New moms in Germany automatically get 6 weeks of mandatory full paid leaves before childbirth and 8 weeks afterwards. Sometimes this is maximized to 12 weeks following multiple or premature births. After this time, mothers can decide when they want to return to work.

  • Maternity Pay in Germany

    During the first 6 weeks and the 8-week period after childbirth, you will get full payment. After that, you will get a partial payment for the remaining period. The mothers are usually entitled to about 65% of their income. A small amount of sibling bonus around €75 can be also applied for in case the mother has one more kid.

Financial Benefits Enjoyed by Parents and Children

In Germany, every parent is entitled to financial benefits for covering the expenses of raising kids. The German social security system offers different advances like child allowances and parent allowances that both parents and kids can take benefit from.

  • Child Allowance

    3 possible situations about the eligibility for child allowance:
    Foreign residents staying in Germany may claim public funds for their families in the form of child allowance.
    Rules are different for Swiss nationals and EU citizens. They merely need to have obtain permanent residence or become subject to limitless income tax liability in Germany to get the eligibility for child allowance.
    States’ citizens accorded equal status may also be eligible for child allowance in case they are hired contractually or getting ailment or unemployment advantages in Germany.
    Child allowance is paid up to a minimum of 18 years old. Otherwise, it can be up to 25 years old in case the dependent is undergoing training, schooling, or higher education. Allowance for disabled child is also till 25 years of age. From January 2021, the child allowance is declared 219 Euros per month for the first and second kid. It is 225 Euros for the third child and for the fourth or other kids, it is 250 Euros.

  • Parental Allowance

    Parental allowance compensates for the income loss following childbirth. After tax deduction, tax allowance, and social security payments, it counts to 65 to 67% of the monthly average income available before birth, or a minimum of 300 Euros or a maximum of 1800 Euros.
    As of 1st January 2015, a child’s parents may claim this allowance for a period of up to 14 months. They can distribute this eligibility period between them in case they want. A single parent may claim this allowance for a maximum of 1 year. This period can be maximized by 2 more months in case the partner parent is also engaged in caring for their child.

Registering a Birth in Germany and Birth Certificate

You can either register the childbirth yourself or do it by one of your family members, your doctor, the midwife, or a friend. Childbirth should be registered at the local registry office (Standesamt) in the town where you gave birth in Germany. The process must be completed within a week of the childbirth.

  • How to Register a Birth in Germany

    You should attend a short appointment for registering your child. At this appointment, an official will check your documents and issue the birth certificate if everything is in order.

  • Documents Needed for Registering a Birth in Germany

    Bring the following documents for registering childbirth:

    • Birth certificates of both parents (in case unmarried)
    • Paternity acknowledgement (in case unmarried)
    • Marriage certificate (in case married)
    • Valid identity proofs like passports for both parents
    • The birth record, signed by the doctor or midwife

    After registering your child’s birth, the registry office will inform both the local citizens’ office automatically (to register the child as a resident) and the tax office (to help parents issue a tax ID and update their details for income tax).
    It takes roughly fourteen days for preparing birth certificates. While getting your child’s birth certificates, you will automatically get these free of cost:

    • Kindergeld
    • Elterngeld
    • Mutterschaftshilfe

    Rules around Naming Your Child in Germany
    When it comes to naming your child, there are three rules in Germany:

    1. The name of your child can’t be an object, product, or surname.
    2. Earlier, the first name of a baby required indicating its gender and in case it did not, then either gender-specific name required being added or the name needed to be changed. Nevertheless, this rule has been changed and names now can be gender-neutral.
    3. You can’t give your child any name that might badly impact him/her when he/she is older.In Germany, the name of every baby needs to be approved by the German Civil Registration Office (Standesamt). In case the name you opt for gets disapproved by the Standesamt, you can either choose a new name or appeal this decision.

German School System – a Broad Overview

At the age of 6, children need to go to school as school attendance is mandatory in Germany. The state runs maximum German schools and no child need to pay fees for attendance. Moreover, there are some international and private schools that charge fees.
Every state is responsible for education policy. Thereby, the school system will rely on the region where families are living. Kids always don’t have a similar curriculum in all states and their textbooks may be different also. Moreover, every state has various kinds of schools. The prime structure of the German school system is as follows:

  1. Grundschule (Primary School)

    Usually, kids start their school career at the age of 6 at a primary school, which covers their first 4 grades. At the end of Grundschule, parents and teachers of the child will decide, based on the performance of the kid, which secondary school the kid is going to attend.

  2. Weiterfuhrende Schulen (Secondary Schools)

    The secondary school system is divided into the following:

    • Realschule – For intermediary students
    • Hauptschule – For less-academic students
    • Gesamtschule – A comprehensive school that combines all types of education
    • Gymnasium – For academic students

Closing Thoughts

So, this is everything you should know in case you are moving to German and are about to deliver a child to this nation. You will feel like you have done your job adding to the German population by spreading your newly gained knowledge.
Have you already given childbirth in Germany? What guidelines have you followed? Did you get helped by the expat insurance system in Germany? Feel free to share in the comment section below!

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Things to Consider When Choosing Health Insurance in Germany

If you are moving to Germany, we can help you with the daunting task of picking healthcare insurance that suits your medical needs. Here are the things that expats should consider before choosing health insurance in Germany.

Who would not like living in a highly developed, clean, and orderly country where everything runs on time, people respect the environment, and infrastructure is great? If you are planning to move to Germany, you are in for a truly incredible experience in a country where up to 46% of power comes from clean energy sources. Apart from all these perks, Germans believe in an “all for one, one for all” health care approach.

Back in the day, German craftsmen used a great way to keep their team members healthy. They paid into one account and used the money if someone needed medical attention for a certain condition and suffered financial hardship.

The ideology still lives in their healthcare system since 84.5% of health spending is funded by the people living or working there. There are two types of healthcare insurances in Germany- public and private. While most people are insured under one of them, many people use private supplementary cover to “upgrade” the public health care insurance to get all the perks of private insurance missing from a public insurance policy.

Your Income

Most public health insurance providers charge 14.6% of your gross income as the basic premium. Your income plays a vital role in what kind of health insurance you can take. If you are earning less than €64,350 per year or €5,362 per month, you must be a part of the government health system. Also known as Statutory Health Insurance or Gesetzliche Krankenversicherung (GKV), this non-profit insurance covers almost 90% of Germany’s people.

Administered by a team of 103 Krankenkassen in 2021 (non-profit insurers are legally obliged to accept insurance applications and sell GKV health insurance to the Germans or expats in Germany if they earn under the threshold of 64,350€ per year or are not self-employed), the public health insurance in Germany costs 14.6% of your gross income plus a supplemental charge of roughly 1.1% depending on the chosen provider. The cap set for maximum monthly income remains €4,837 per month in 2021. In case you start earning more than the set threshold, you are not required to pay a higher premium. For instance, if you pay the maximum insurance premium, which will be €770 for the income threshold this year, you will be required to pay €385, whereas your employer will be paying €385.

While 90% of the German population is insured under public health insurance, around 10% have private Krankenversicherung (PKV). There are around 40 private health insurers in Germany that charge premiums according to your entry age, your current health state, and the level of health insurance cover that you would like.

Pre-Existing Health Conditions

When you go for public health insurance, pre-existing medical conditions will never be an issue. However, it can make a huge difference when you sign up for private health insurance. While private health insurers cannot deny insuring anyone with a pre-existing condition due to the defined rules, they can however charge an extra risk premium or only offer very basic cover in line with the public insurance.

Medical Benefits

Public health insurance in Germany covers the following medical benefits:

  • In-patient care as a ward patient in a hospital
  • Out-patient care from a general practitioner or specialist (such as a gynaecologist)
  • Prescription drugs
  • Basic dental care
  • Pregnancy care
  • Employee sick note
  • Statutory Sick Pay when the employer’s duty to pay it is over (up to 90% of your net salary)

Private health insurance coverage also gives you a ton of benefits. It covers everything offered under the statutory health insurance plan alongside providing access to all the sectors of the German healthcare system. It includes doctor visits, health checks, specialist treatments, dentistry, hospital treatment, prescription & medicines, single or double rooms in hospitals, and more. You can tailor your health insurance privately as per your requirements and pick any of the following additional benefits to include in your plan:

  • Additional dental care such as a professional dental cleaning
  • Consultation doctors
  • Private hospital rooms
  • Sickness or child sickness benefits
  • Rather than a family doctor, get direct access to specialists
  • Alternative medicine
  • Fixed-rate premiums with zero impact of your increasing age
  • Reduced voluntary excess

How Family Insurance Works

If you have statutory health insurance coverage, your family members, including kids and spouse, are also eligible for free-of-cost insurance under certain conditions. If your partner or children are not earning an income themselves of more than 450€ per month, they can be covered under your insurance coverage.

Switching Your Insurance Provider

Even if you start earning more due to a salary raise, the monthly premium will remain the same. While the minimum period for government health insurance with any Krankenkasse is 18 months before you can switch to another public insurer, you can switch to a private health insurer with a 2-month notice period if you are eligible.

It’s Importance

It’s common to see non-Germans treating health insurance as a commodity to buy for a low price to be eligible to live in Germany. The purpose of getting you and your family insured is the vital financial support it can offer you when time is harsh. If you are going to Germany for some time and want health insurance, avoid limited-term policies. These policies come without medical underwriting requirements and thus, do not cover any pre-existing problems that may disturb you during your stay.

Even if there’s a minute possibility that you may have a more extended stay than the limited contractual term and your health insurance expires, it may get complex and expensive for you to get a new contract in Germany. Check the various benefit levels that private health insurance companies offer and pick your plan wisely

Conclusion

Here we conclude the things you may have to consider before getting health insurance coverage in Germany. Make sure to stay insured as an expat in Germany to avoid any unpleasant surprises and complications when reapplying for your visa.

Strange and Interesting Facts About Germany

When talking about Germany, we instantly think about modern and safe roads, the best cars in the world, cosy Biergartens, picturesque castles, and tech innovations. All these are the results of vast developments and research in the technology and engineering field of the country. However, it has a treasure of so many things beyond imagination.

From culture, daily life to schooling, food, and drink, the country will leave you awestruck. Whether you are moving to Germany, or already an expat living there, knowing the traditions and culture can ease your stay.

In this post, we will highlight some of the strange and interesting facts about Germany you might be interested to know. So, let’s dive into it!

Interesting Facts to know about Germany

Germany is a hub of many amazing things that are out of the norm. If you are moving to Germany, it is vital to know the rules and lifestyle to make your move and stay easy and comfortable. The following are the interesting facts you should know about Germany.

Kids Receive Cone Filled with Toys and Candy on the First Day of First Grade

Germany has followed a tradition called Schulte since the 1800s. In this tradition, kids will receive a giant cone loaded with toys and candies to celebrate the ‘Seriousness of Life.’ This giant cone eases the stress of children being in a new environment.

Drinking alcohol publically is Legal.

Don’t be surprised if you see adults and teenagers drinking alcohol publically. In Germany, it is legal. Unlike in many countries, drinking alcohol in public is legal in Germany. In fact, you can see people drinking beer openly, especially in summer. No need to cover the bottle; just open the cap and start enjoying it. By the age of 14, children are allowed to consume wine or beer with their legal guardian or parent’s supervision.

No weird name Accepted by the Government.

Believe it or not, but if your name is weird or unusual, German law won’t accept it! Sounds weird? Well, according to the law, a person’s name should be gender-neutral but if it doesn’t, Standesamt or the civil registration office can refuse the name. Changing and reapplying can be an expensive process; so many parents opt for typical names like Sophie, Stephan, etc.

Sundays are Closed

Germany is almost closed on Sundays. However, you could only see small shops in gas and train stations. There is a religious reason behind it, as Sunday is a Lord’s day for Germans made for rest only.

Today, many people take it as a secular tradition of spending time with their families. Germans follow the “no work” rule quite seriously. So, if you see empty roads on Sunday, don’t be surprised.

German Worship Football

Yes, you read it right. For Germans, soccer or football is more than just a sport. Fans of different clubs have enmity with each other, and it, in fact, affects their relationships. In Munich, getting tickets for the game is not easy, and if you get one, you are definitely the luckiest person. When Bayern Munich has a game, you can see the team supporters wearing Red.

Wishing Birthday in Advance can bring Bad Luck.

There is a saying in German – Du sollst den Tag nicht vor dem Abend loben. It means you should not appreciate the day before night. According to Germans, you should not be sure of something until it actually happens, if you do so, odds are, it won’t happen. So, if you wish someone in advance, the person could die or won’t have a happy birthday.

Christmas in Germany

In Germany, Christmas starts on the first Advent Sunday, i.e., 4 Sundays before Christmas. On this day, the family lit 4 red candles to decorate An Advent wreath. These candles are lit until the announcement of Christ’s birthday. Advent calendars are filled with chocolates or sweets. The first door opens on December 1st, whereas the biggest door opens on December 24th.

Instead of Santa Clause, Christkind (The child of Christ) comes on Christmas with gifts. Christkind comes on December 24th instead of 25th, which means children in Germany got their presents 12 hours earlier.

Prison Escapes are forgiven by the German law

Germany sees prison escape quite differently. Breaking out of jail is not unlawful. But if you are unlucky and caught by authorities, you will be thrown back to prison. But if a prisoner escapes from the prison without being caught, he is no longer subjected to German law. The law explains that ‘freedom’ is a basic human instinct, which is not a crime.

No Student Tuition Fee in College

This is one of the most bizarre things in Germany. In the country, the college tuition fee is free for local students and all international students. There are also many U.S students looking for admission to the top-rated and best German universities. With no student tuition fee, students can save thousands of dollars which they can use anywhere.

Beer Love and Cuisine

Germans love beer, eat sausages and make a variety of bread. According to a report, German drinks a bathtub of wine, beer, spirits and sparkling wine. After the Czech, they are the second-largest beer consumer in Europe.

When it comes to German cuisine, Wurst (Sausages) made of beef, veal, or pork is quite popular. On the other hand, the bread-baking tradition is something Germans take pride in. You can find different shapes and sizes of bread- white, black and more.

Each bread type has different tastes and names. You can find multiple choices in traditional food, vegan, and vegetarian. On Christmas, a roast goose is a traditional dish served with red cabbage.

World’s Fourth Most Popular Expat Destination

Germany attracts skilled workers from all over the world. In fact, Migration Policy Institute and OECD both ranked Germany as the number second destination for expats. Most immigrants in Germany are from Europe, including top nationalities Italian, Polish, and Turkish. When it comes to pursuing a professional career, Germany is among the top countries. With more than 170 nationalities working in Germany, the top jobs in demand are IT jobs, Scientific Research, and Engineering.

Undoubtedly, Germany is home to many strange and exciting cultures. If you are an expat looking to make life easier in Germany, MW Expat Solution can help. We are a team of English speaking advisors helping expats in Germany navigate through the maze of insurance, savings, and investment products.

Our multicultural and multilingual trained team of managers and consultants helps expats with all social security solutions. To know more about expat insurance, healthcare insurance, and more, get in touch with us today and let us make your stay in Germany easy and worthwhile.

Summer in Germany: A Higher Insurance Risk?

The summer in Germany are famed for their beauty, but the warmer weather also brings with it several risks that can affect your insurance coverage. Understanding the many insurance options and the hazards you can encounter during the summer is crucial for expats. In this article, we’ll talk about some of the major insurance dangers that expats in Germany could encounter in the summer as well as provide you some advice on how to keep your family and yourself safe. So, sit back, relax, and get ready to learn more about summer insurance risks in Germany!

It´s Summer in Germany: What cover do I enjoy from the state?

This can probably be best illustrated using a little real-life story that describes an incident that actually occurred.

A 46-year-old family father of two had been in München with his family for one and a half years when they decided to go for a hike in the mountains. The sun was shining and it was neither wet nor slippery. As he had his children with him, the mountain that he chose was not difficult and having a good path leading all the way to the top, there was no climbing involved. He was obviously not paying full attention and tripped over a tree root and fell roughly 15 meters down a steep bank. His fall resulted in two broken vertebrae and he was unable to move. Luckily, there was reception in the area and his wife called the rescue services and, as is normal when hiking in the mountains, the place of the accident was not easily accessible.

The “Bergwacht” (mountain rescue) came and they airlifted him to hospital where he stayed for 7 weeks. He spent the next 3 years undergoing multiple operations and was in and out of a rehabilitation centres during this time. For this perid he was obviously not in a position to work and fully support his family. The only real positive side to the story is that due to modern treatments he nearly fully recovered and now leads a fairly normal life, he has, however, lost 30 % of his ability to move and still struggles with stairs.

The following explains what help he received from the state and more importantly where he received no help whatsoever.

    • Search and Rescue:The costs for the rescue were not covered by his normal state health insurance and his wife was presented with a bill of nearly €5,000. They had the good fortune that he was a member of the “DAV – Deutscher Alpenverein” (The German alpine club), part of his membership is an insurance for search and rescue, so they covered these costs.

    • Accident Cover:Under German regulations every employee is covered through a basic accident insurance at work and on his way to and from work. The same applies for children at school/Kindergarten and their direct journey there and back. As this obviously happened in his free time he had no cover for lasting damages whatsoever.

    • Sick Pay (Krankentagegeld): In Germany it is normal that if you are ill for a longer period of time then your employer will carry on paying your salary and his part of the social security contributions for the first 6 weeks, thereafter this will stop. If needed, for the next 72 weeks your “Gesetzliche Krankenkasse” will pay you up to €109.38 daily as a maximum (the rule is that they will pay up to either 90% of your net income or 70% of your gross income, whichever one is less). As he was a good earner, he already had substantial losses here and it was fortunate that he had other investments that he could use. One also has to remember that out of his sick pay he also had to pay 100% of his social security contributions, as his employer had stopped contributing.

    • Income replacement (Erwerbsminderungsrente): If you have not contributed for a full five years into the German state pension (Deutsche Rentenversicherung) then you are not entitled to any benefits at all. Even if you contributed the full five years, then the cover offered from the state is normally far below what you would actually need to carry on life as normal. As a general rule of thumb, if you can still work between 3 and 6 hours a day it covers roughly 20% of your last salary and if you can only work less than 3 hours a day you would receive roughly 40% of your last salary (the exact amount can be verified in the yearly letter you receive from the statutory pension scheme, the Gesetzliche Rentenversicherung or GRV for short). The “Erwerbsminderungsrente” normally starts after the 72 weeks of sick pay or if it is obvious that you will not recover. In this case he did not receive any income replacement.

As you can see from the above the cover that he enjoyed from the state was nowhere near enough to cover the losses that he incurred. Had he not been fortunate enough to have substantial savings then his home and the future of his family would have been almost certainly lost.

Depending on the seriousness of the incident, extra cover for long-term nursing care as well as suitable risk life cover are also advisable to provide you and your family the all-round protection that is needed.

What can I do to protect myself?

One of the good things about Germany being a very insurance-aware country is that it is possible to find private insurance cover for all of the above. Here is a summary of the insurance solutions that should have been in place to offer full protection for the incident above:

Private Accident Insurance (Unfallversicherung):

The first two points from the list above are both suitably covered with a private accident insurance. Search and rescue is one of the many extra risks which are covered by a good and modern accident insurance, however, the main protection offered by an accident insurance is a lump-sum payment in case of any permanent damage. Based on the story above, the family father would have received a substantial amount of money due to the 30% loss of movement that he suffered. The amount of coverage that is offered depends on the wishes of the client and the amount of premium he is willing to pay.

A private accident insurance, in contrast to the basic state cover, offers you protection worldwide and around the clock. The concept is that the insured sum should cover all costs that occur through disability, for example required physical assistance, temporary or permanent, alterations to your vehicle or your house, etc. The future cost of living should be covered through an occupational disability insurance.

For more information and a free quote regarding a personal accident insurance click here.

Supplementary Sick Pay Insurance (Krankentagegeldversicherung):

Sickness benefit is paid by your statutory health insurance fund if you are on sick leave for more than six weeks because of the same illness. The amount of sickness benefit is determined by law: It amounts to 70 percent of gross earnings, but not more than 90 percent of net earnings (§ 47 SGB V).

The lower of these two values is reduced by the contributions to the social security type insurances (health, nursing care, pension and unemployment). The corresponding contributions are deducted directly from the payments. The remaining amount is then paid out as sickness benefit.

This is generally a problem for people who have a good income as their salary is often a lot higher than the maximum cap that they will receive from the state. This means that in 2020, insured persons can receive a maximum of €109.38 in sickness benefit per day; that is roughly €3,281 per month.

However, the employee contributions to the social security system are still deducted from this amount. This leaves a maximum of €2,877 per month as a net sickness benefit.

The gap between net salary and sickness benefit should be closed by taking out private daily sick pay insurance. These are really not expensive and offer essential protection.

Occupational Disability Insurance (Berufsunfähigkeitsversicherung):

The big problem facing expats coming from abroad is that until you have paid into the ‘GRV’ for 5 years, you have no cover. The other rule is that once you have qualified, you have to have spent at least 3 of the last 5 years paying into the system in order to be covered. For this reason, a private occupational disability insurance is one of the more important insurances you need when moving to Germany. It acts to protect the financial future of your family when there is no other protection.

Occupational disability insurance offers worldwide cover and benefits. It will pay out benefits as of 50% occupational disability. The 50% disability relates to your current profession. You cannot be forced to change occupation to one which you might still be able to carry out. Good quality occupational disability insurances will not only pay if you are never able to work in your profession again but will also start paying a pension after 3 months of Illness and continue until you are in a position to start work again. This would have been vital in the story above.

For more information and a free quote regarding occupational disability insurance click here.

Suitable and sufficient cover is available to everyone at affordable premiums provided you have good insight and knowledge of the complex German insurance system. If you do not, then let us do the heavy lifting for you.

If you would like more advice on any of the above then please do not hesitate to contact us for a free consultation.

Here’s to new chances in 2021

We welcomed the new decade 2020 with lots of plans: to travel, excel at studies, grow at work, relationships, finances and more. What comes to mind when you take stock of how much progress you’ve made on those ambitions and plans? We remember the lifestyle changes we made – work from home, home schooling, more time for friends and family, new ways of celebrating (Zoom birthday parties & graduations), taking nothing for granted (takeaways from fine-dining restaurants anyone?) and some unpleasant memories of losing a loved one to the pandemic.

We look forward to 2021 helping us find a way to a new ‘normal’

We would like to reflect on our learnings as individuals from this past challenging year:

  1. Health is wealth – this is never going to be a cliché saying anymore. Instead, it is a lesson learnt, unfortunately for some in a hard way. But it is never too late to take charge of our physical and mental health. Many of us embarked on the ‘healthy body & mind’ journey. Give your body and mind a chance to be ready to fight for you when you need it to!

  2. Family is forever – remember, family is not only people who share your blood. We strengthened our bond with our people, our loved and trusted ones. More than ever, we deserve to pamper ourselves with each other’s love and care.

  3. Save for the rainy day – again, this has a new meaning for many of us now. How many of us thought we were in control of our future? We had our lives planned out and right on track. Then we were hit with the longest rainy day imaginable in the form of this pandemic. Loss of job became a reality for millions, along with provisioning for difficult times or another pandemic.

    The pandemic has been a great leveller. Our perspective of who and what really matters for us to function as individuals and society has changed. The world learnt a new definition of what it means to be truly developed. We are all fortunate to be in Germany with a sound healthcare ecosystem (hospitals, insurance etc.) and a social setup that cares for and supports people in tough times like these.

2021 will be unpredictable both for individuals and businesses

We would like to plan and set some goals, yet again, for the new year. This time, we hope it’s going to be different – but how can we know? Let’s discuss it:

  1. Take care of and improve your physical and mental well-being – get regular health checkups and check if your insurance covers for preventive interventions.
  2. Establish a good work-life balance to ensure spending time with loved ones.
  3. Gain knowledge or learn a new skill.
  4. Review and fine-tune your financial health and readiness to handle any future exigency. Revisit your expenses on insurance and financial instruments.
  5. Plan for your retirement – it’s never too early to start, securing a safe future.
  6. Celebrate and appreciate the small victories in life.

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